Personal Finance and Money Stack Exchange
Personal Finance and Money Stack Exchange

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1500 questions
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5 answers

Should I buy a house because Mortgage rates are low

Interest rates are pretty low right now and a few of my friends are rushing to buy a house(even though the actual property prices are pretty high.) I was of an opinion that mortgage rates being low is not a reason enough to buy a house, one should…
Lost
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4 answers

Why would I buy a bond with a negative yield?

The only reason that I can think of is because I expect the bond to appreciate in price thus offsetting the loss in yield. I could still end up with less money than I started with, if I hold the bond until maturity. Ultimately, the only scenario…
Ellie Kesselman
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18
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5 answers

Relationship between silver and gold prices historically

Can anyone tell me, or point me to documentation that shows the historic relationship between gold and silver prices? Or, better yet, can anyone point me to a source that shows monthly or weekly gold and silver prices for perhaps the last 50-75…
Randy Minder
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If I file as head of household, how does my estranged wife file? (USA)

My wife abandoned my kids and me mid July, 2014. For 2014 the option of "Head of Household" was not available as the IRS says that the spouse has to not have lived with you for the last 6 months of the year to be "considered unmarried", so we ended…
trex005
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3 answers

Can I use an HSA to pay off medical debts incurred before the HSA was funded?

Let's say that in year A I had a medical insurance plan without an associated health savings account, and incurred some medical expenses (co-pays, deductibles). I didn't pay them that year; they may even have gone to collection. In year B, I'm…
david
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3 answers

As a married couple, should we get separate health insurance plans or share a single one?

Both my wife and I have employers with health insurance plans that pay 100% premium for the employee but does not cover premiums for family (spouse or dependents). It seems financially cheaper to each sign up for our own individual plans and put our…
void.pointer
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5 answers

Why is it good to borrow money to buy a house?

In most cases of purchases the general advice is to save the money and then make the purchase. Paying cash for a car is recommended over paying credit for example. For a house, getting a mortgage is recommended. Is this because a house is so…
oceanus
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4 answers

How can I lower my taxable income?

I recently got a new job with a salary that puts me in the 25% tax bracket (filing as single). I don't yet qualify for my employer's 401k plan so I can't use that to reduce my pretax income for the year. I still have the 401k from my previous…
ovaltein
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1 answer

Where Do ESPP stocks come from?

When a company gives its employees an ESPP plan, where do they get the stocks to sell to them? are they being bought in the free market? but then, where does the discount come from? is it stocks that currently belong to the company and this is its…
Blop
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2 answers

What's the best way to invest for making regular donations?

Up until now, I've been making my donations to charity in a very naive way, by just skimming the top 'x'% off of my raw income and using that bucket for donations. Recently, I have been making more money, which has prompted me to ask the question,…
Josiah
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Is an employer within their rights to limit 401k contributions to 25% of compensation?

I would like to ask a specific question regarding employer limitations on 401k contributions. I have read other posts in the forum that explain that limitations often exist on highly compensated employees depending on the contribution level of…
EMILY
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2 answers

Estimated Taxes after surge in income

Last year my self-employment income was $300k and I paid about $80k in federal taxes. This year, in the first quarter, all of my business dried up and I had $0 in income. Turbo tax was advising me to make an estimated tax payment of $20K on Apr…
Fixee
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4 answers

Will depositing $10k+ checks each month raise red flags with the IRS?

I am a freelancer that runs a small design business (LLC) and I have one client in particular that I regularly do more than $10k per month worth of business with. Sometimes I'll deposit a check for $14k in one shot. I have check stubs and a paper…
Kevin
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4 answers

Do credit checks affect credit scores?

I've heard what I believe to be a myth surrounding credit scores being affected by companies (loan, mortgage etc.) checking your file. I used to have an experian account, and I noticed quite a few hits against my file, yet my score was the maximum…
Matthew Layton
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3 answers

Is it bad to have multiple credit cards?

I have 4 credit cards that I use occasionally but pay off the balance every month for the most part. Recently I've been suckered into getting store credit cards (Macy's, Kohl's, etc) because they offer a discount when you sign up. I'm curious if…
Christina Rule
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